Chap stick redirects here. For the lip balm brand, see ChapStick. Homemade lip balms. Lip balm or lip salve is a wax-like substance applied topically to the lips of the mouth to moisturize and relieve chapped or dry lips, angular cheilitis, stomatitis, or cold sores.Lip balm often contains beeswax or carnauba wax, camphor, cetyl alcohol, lanolin, paraffin, and petrolatum, among other ingredients.ip balm can be applied where a finger is used to apply it to the lips, or in a lipstick-style tube from which it can be applied directly.
Germania Insurance. Save Over 40% By Comparing Multiple Insurance Quotes. Germania Insurance Company began as part of the Germania Farm Mutual Insurance Association in 1896 and has been called âthe insurance that Texans trust.â Germania Farm Mutual is the largest of its kind in Texas and operates under 911 Chapter of the Texas insurance code.
Product Features 1. The MassMutual Guaranteed Interest. Account (or âGIAâ) is a stable value. investment with a guaranteed rate of return. and a guarantee of principal that is backed. by the Massachusetts Mutual Life Insurance. Company (âMassMutualâ) general investment. account. The GIA is provided through a group. annuity contract issued by MassMutual to. a retirement plan.